Smart Money Techniques, Minimizing payment of fees

November 16, 2019

Smart Money Techniques, Minimizing payment of fees: This week we are talking about the Smart Money Management Techniques. We have already seen an outline of the seven ways in which we can manage our money in the smarter way. These techniques are:

  1. Make a good financial foundation
  2. Make more and more investment
  3. Make a money mindset
  4. Minimize payment of fees
  5. Make an increment to your income
  6. Make a distance from Consumer debt
  7. Ignore money habit of your friends

Every day we have been discussing one topic. On Wednesday we discussed about the foundation of the Smart money management techniques. In this we discussed how the money can be managed in a way that it leads a strong financial position and the day before yesterday we discussed about how to make more and more investment. We also discussed the ways in which the money could be earned. Yesterday we discussed about the making of money mindset. In today’s topic we will be discussing about minimizing the payment of fees.

Minimizing payment of fees:

  • It may sound like unbelievable to minimize the payment of fees. But it is possible. Management of money is an art, which I am discussing about. It may be somewhat challenging to execute but the simple formula here is to increase your income and decrease your expenses. One of the basic component of expenses if the payment of various fees. Today we will be learning about management of fees.
  • The first and foremost thing to be remembered when talking about minimizing the payment of fees is PAY YOUR BILLS ON TIME. Yes! This may actually minimize your payment of late fee. It may also reduce your extra financial charges.
  • Another thing you can try is reducing of your interest payments. Try to avoid taking of overdrafts. Make use of ATM more and more rather than using the debt money. Pay your highest interest loan first.
  • Make use of those investments which are charging fewer fees. The investments like ETF is quite less expensive when compared to mutual funds.
  • If you are trading or investing in the financial market the choice of a good broker is also helpful in reducing the fee. You should choose a broker who charges fewer fees for the quality services.
  • The investor should be conscious about those opportunities which are charging the lesser fees. You should not compromise on the quality of the services for lesser fee or it will put a negative impact on your finances.

Market Commentary 15th November 2019, Investment Research

November 15, 2019

Market Commentary 15th November 2019, Investment Research: Last hour selling erased the intraday gains of the market and benchmark indices managed to close in flat, marginally higher at 11900 and 40356. Bharti Infratel, Bharti Airtel, SBI, Zee Entertainment and Grasim Industries were among major gainers on the Nifty, while losers were IOC, Hero MotoCorp, BPCL, Maruti Suzuki and ITC. Among sectors, selling was seen in the auto, energy, IT and metal, while buying was seen in the bank, pharma and infra sectors.

Benchmark indices were trading flat in the pre-opening session. Indian rupee gained in the early trade on Friday. It opened higher by 18 paise at 71.19 per dollar vs previous close 71.97. Market opened in the positive note. The Sensex is up 128.19 points at 40414, and the Nifty up 31.50 points at 11903.60.SBI, Ashok Leyland, Tata Motors, Gail, PNB, Vedanta, ONGC, JSW Steel, Yes Bank, Kotak Mahindra Bank, HDFC Bank are among major gainers on the Indices, while losers are Bharti Airtel, Vodafone Idea, IOC, Nestle, Cipla, BPCL and TCS. All the sectoral indices are trading higher led by the bank, metal, auto and infra.

Market Commentary 15th November 2019, News Highlights:

  • Page industries management maintained double digit long term margin guidance and due to this the page industries shares went up 5%.
  • Share price of PC jewelers declined by 5% after the company announced its quarterly results. The consolidated net profit was down 51.2%.
  • GVK power fell about 5% intraday on announcement of the quarterly results. The company declared net loss of about 159.4 Cr.
  •  Reliance power fell down 5% as the company net profit was down more than 69%.

Afternoon World Market Update:

Asian stocks jumped on Friday, lifted by White House comments that suggested the possibility of an imminent trade deal between Washington and Beijing, which revived hopes that their tariff war may be nearing an end. MSCI’s broadest index of Asia-Pacific shares outside Japan was up 0.57 percent. Japan’s Nikkei added 0.7 percent and Australian shares gained 0.87 percent as per Reuters.

Top 3 Stock News for 15 November 2019

November 15, 2019

Top 3 Stock News for 15 November 2019: Everyday, there is some stir in the stock markets. Some stock will be moving very actively while others be losing very soon. In this write up we are trying to wrap up those stock which showed high movement in the single day. Today’s Stock are

Stock News for 15 November 2019, Glenmark Pharma

Shares of Glenmark Pharmaceuticals raised about 8% intraday after the release of the quarterly results. The company posted a profit of approximately 255 Cr. in the September quarter. The company had posted a net profit of Rs 414 crore in the July-September quarter a year ago, Glenmark Pharmaceuticals said in a BSE filing.

The net profit is not comparable to the previous corresponding quarter on account of an exceptional income of Rs 167.18 crore recorded in the second quarter of the previous financial year, the company said. Net sales of the company stood at Rs 2,763.73 crore, up 8.81 per cent, during the period under review as against Rs 2,539.85 crore of the corresponding quarter previous fiscal.

Future Lifestyle Fashion

The world’s biggest private equity firm, Blackstone, invested 1750 Cr in Future Lifestyle Fashion. Funds managed by Blackstone will invest in Ryka Commercial Ventures, the holding company of the lifestyle retailer through debentures which will be used to retire or pre-close all existing financial obligations, Future Group said. In July this year, Blackstone had acquired about 6 per cent stake in FLF for about Rs 545 crore in a secondary market transaction. Biyani and family own 53.43 per cent of FLF through entities such as Ryka Commercial Ventures, Central Departmental Stores and Future Enterprises among others.

Reliance Power

The shares of reliance power on Friday declined nearly 5% and hitted the lower circuit. The company on Thursday reported a 69.38 per cent decline in consolidated net profit at Rs 45 crore for the quarter ended September 30. The company had posted a net profit of Rs 147 crore in the July-September period of the previous year, Reliance Power said in a BSE filing.

 

 

 

Smart Money Techniques, Making a Money Mindset

November 15, 2019

Smart Money Techniques, Making a Money Mindset: From the previous two articles we have been discussing about the Smart Money Management Techniques. These are:

  1. Make a good financial foundation
  2. Making more and more investment
  3. Make a money mindset
  4. Minimize payment of fees
  5. Make an increment to your income
  6. Make a distance from Consumer debt
  7. Ignore money habit of your friends

Every day we have been discussing one topic. On Wednesday we discussed about the foundation of the Smart money management techniques. In this, we discussed how the money can be managed in a way that it leads a strong financial position and yesterday we discussed about how to make more and more investment. We also discussed the ways in which the money could be earned. In today’s topic we will be discussing about how to make money mind set.

Making a Money Mindset:

They say mindset is everything. To do something great you have to believe in your capabilities and work in a manner with a proper goal. So, in making a money mindset you must be working according to the goal of making money. There are various ways in which you can make money but having a mindset that you will be earning money is must. The ways to make a money mindset are:

  1. To have a money mindset you need to forgive your past financial mistake. It is generally habit of the people to stick to their financial mistakes and then become idle. You need to be very quick to forgive your past mistakes and should be ready to take the upcoming challenges by making the same.
  2. Second thing that is needed to cater here is not comparing you to the others. You are not someone else, you are a unique entity. You have separate financial goals and thus you need to make your own way of reaching your goal.
  3. The third thing that is needed to be remembered at the time of making the money mindset is optimizing your budget. Optimizing the budget here means to save your money for the emergency, save your money for activities when you are free. Not spending money when it is not necessary. And try to prioritize your goals.

To be continued…

Market Commentary 14th November 2019, Investment Research

November 14, 2019

Market Commentary 14th November 2019, Investment Research: In the bigger news today the Moody has given another shock to the Indian Financial Markets. It has lowered the GDP forecasts after it had reduced the ratings earlier. Another important event of the day was release of WPI data. WPI measures the changes in the prices of goods sold and traded in bulk by wholesale businesses to other businesses. WPI is unlike the Consumer Price Index (CPI), which tracks the prices of goods and services purchased by consumers. The WPI inflation rate in September fell to a 39-month low of 0.33 per cent from 1.08 per cent over the same period a year ago.

The market opened flat today. It was trading at 11850 and 40144. In pre open session 31 shares advanced, 14 shares declined and 5 shares were unchanged on Nifty. On Sensex Tata Motors and VEDL were the top gainers while Bharti Airtel and Bajaj Finance.  On NSE market finance, media and IT were trading in green and other sectoral indices were trading in red.

Market Commentary 14th November, News Highlights:

  • Shares of Zuari Agro Chemicals gained 5% intraday after the company signed memorandum of understanding with Morroco Group.
  • PFC Quarter 2 result was announced today. As per the result Net Profit went up by 10.8% at 1,871 Cr. Against 1,688 Cr YoY. Consolidated revenue grow 17%.
  • WPI surprised the market by shying away from market expectations of 0 percent, however it continued to slump in October to 0.16 percent from 0.33 percent in September. The deflation in wholesale prices signals that there is still lack of demand in segments like manufacturing, metals, chemical products.
  • Shares of Dixon Technologies gained 9 percent intraday on November 14 after healthy earnings growth in Q2FY20 and strong management commentary. The stock touched fresh 52-week high of Rs 3,276 on the BSE. It rallied more than 60 percent in last three months amid consistent earnings growth and was quoting at Rs 3,229.80, up Rs 230.35, or 7.68 percent at 1058 hours IST.

Nifty was volatile throughout the day. At the market closing, Nifty ended 30 points higher at 11870 and Sensex ended 170 points higher at 40286. On Sensex ICICI bank and INFY were the top gainers and VEDL and the INDUSIND Bank were the top losers.On Nifty as well the ICICI and INFY were the top gainer and Infratel and Indusind bank were the top losers.

Smart Money Techniques, Making More and More investment

November 14, 2019

Smart Money Techniques, Making More and More Investment: In this article, we are talking about the money management techniques. More or less everyone earns money but only few people are able to create the wealth. To some people money management is habit and to the other people money management is art. But if you will ask a financial planner the money management is the planned process. It is not the miracle to create the wealth. It takes a financial plan to create the one. Here in this article we will be talking about the smart money management techniques. These are:

  1. Make a good financial foundation
  2. Making more and more investment
  3. Make a money mindset
  4. Minimize payment of fees
  5. Make an increment to your income
  6. Make a distance from Consumer debt
  7. Ignore money habit of your friends

We will be discussing one technique everyday in the upcoming articles. Yesterday we had discussed about the making of good financial foundation. Making a good financial foundation will be also requiring comparatively more money. Today let us discuss about the Making of more and more investment.

Making more and more investment:

To manage money it’s not enough to make a good saving. It is important to make investment to beat inflation. For investment too you will need more and more money. To earn and especially save that money you will have to again make a good money habits. You may have various opportunities to earn extra income from various other sources. That extra money will be helping you to help you to pay your debt, make more investment or to boost your net worth to save for big goals. Here we are listing various ways you can increase your income. Try these techniques:

  • To change the jobs is the best way to boost up your earnings, changing the job will be helping you in making the negotiations to the boss. It will be also adding to your lift your money for lifetime.
  • Another way to earn extra money could be requesting a raise. It means to continue the existing job and ask your boss for the
  • I consider this to be a good move because it does not require more time or effort.
  • Another way to earn some extra money is to start the freelancing work. If you are a professional and you are highly skilled then this option is very much suitable to you.
  • If you have enough experience in your job, you can opt for coaching. Coaching here means to guide the persons who are less skilled in your field. You can earn good fee in this as well.

There are various investment options available in the market. You should choose your investment on the basis of your risk appetite.

Market Commentary 13th November 2019, Investment Research

November 13, 2019

Market Commentary 13th November 2019, Investment Research: Market inched up slightly in the afternoon session on account of the inflation data. The market was led by gains in some public sector stocks and a cabinet meeting on retail inflation data due later in the today session. Earlier in the morning the Asian stock fell and Wall Street stock also fell on growing Sino-US trade war worries. SGX Nifty was also trading down in the morning session.

Sensex & Nifty opened flat

China US trade war worries do not weigh on the Indian market. And the market traded higher in the preopening session. Market started flat, the Sensex was 23 points down and Nifty was 8 points down at 11905. Britannia Industries and YES Bank were among the top gainers and Infosys and ZEEL were among the top losers. The sectoral indices were trading with slight gain.

Market Commentary 13th November, News Highlights

  • Shares of Vinati Enterprises fall down near about 6% on the announcement of the quarterly result of the company. Company announced its September quarter result and the share division.
  • MSTC stock has seen 91% growth in 12 days. The shares of the firm were trading highest after the listing as compared to 3.3% rise in S&P and BSE Sensex.
  • Britannia Industries Q2 profit risen to 33% YoY and on account of this the share price of the same rose to approximately 6%.
  • Edelweiss Global Investment Advisors have got $75 million investment through Sanaka Capital and few other investors. As per announcement by the firm, Sanaka Capital will be investing $44 million on EGIA. And on this capital infusion the company locked upper circuit.
  • Netherland arms have given 1767 Cr fresh capital to Uber India.
  • SBI has released a report indicating that the growth of Indian GDP will be approximately 4.2% in the quarter.

Closing Comments

The Indian Benchmark Indices ended lower today. The Nifty was approximately 78 points down at 11836 and sensex ended down at 40112. Yes Bank and GAIL were the top loser. Britannia, TCS and Reliance were the top gainer. Yes bank and Reliance were the most active stocks. All the sectoral Indices ended in Red today.

7 Smart Money Management Techniques

November 13, 2019

7 Smart Money Management Techniques: Today in this article we are talking about the money management techniques. More or less everyone earns money but only few people are able to create the wealth. To some people money management is habit and to the other people money management is art. But if you will ask a financial planner the money management is the planned process. It is not the miracle to create the wealth. It takes a financial plan to create the one. Here in this article we will be talking about the smart money management techniques. These are:

  1. Make a good financial foundation
  2. Make more and more investment
  3. Make a money mindset
  4. Minimize payment of fees
  5. Make an increment to your income
  6. Make a distance from Consumer debt
  7. Ignore money habit of your friends

We will be discussing one technique everyday in the upcoming articles. Today let us discuss about the Making of good financial foundation.

No. 1 Smart Money Management Techniques:

The key to manage the wealth is to create a strong financial foundation to pursue your financial goals. You can build your financial confidence to boost your financial health. The very first step towards making the financial foundation is to get organized.

You have to do some kind of documentation to fulfill this task. You can start with creating a personal balance sheet.  It will have the summary of your asset and liabilities. It will be the documented form of your personal financial health. Your asset would include bank account balances, holdings, investments, jewelry, home, family car and more. Your liabilities in this case would be mortgage, auto loan, personal loan, property loan, credit card debt and others. Once you have all this data you should understand your net worth and according to that you should make your financial plan.

To be continued…

 

Stochastic Indicator, the Momentum Indicator

November 12, 2019

Stochastic Indicator, the Momentum Indicator: When we talk about technical analysis we cannot forget two things, the one is chart and the other is indicator. Technical indicators are heuristic or mathematical calculations based on the price, volume, or open interest of a security or contract used by traders who follow technical analysis. Today we will be discussing about the one of the widely used indicator in the technical analysis i.e. Stochastic Oscillator Indicator.

Stochastic Indicator, What it is?

It is the one of the momentum indicator. Momentum Indicators are those indicators who show the movement of price over time and they also show how strong these movements will be. Momentum indicators are also specifically useful, they help the traders to find the point where the trend may and will be at reversal.

Theory behind it?

Stochastic is the indicator which relates particular closing price of a security to range of its price over the certain period of time. It is used to generate the overbought and oversold trading signals. It also has zero to hundred ranges of bounded values. It was started in 1950 and still used till date. Stochastic indicators are sensitive to momentum rather than absolute price.

Basic theory behind this indicator is this if the market is bullish the prices will close near high and when the market is bearish the prices will close near low. This is useful indicator of determining the overbought and oversold condition. Traditionally, the readings are considered overbought above the 80 range and the reading under 20 are considered oversold. This indicator is not always indicator of the key reversal.

Concluding Words

Divergence between the stochastic oscillator and trending price action is also seen as important reversal signal. It means if the market price makes lower low and the indicator makes higher low then at this point as well the reversal in trend is expected. It is most like the RSI indicator but theory behind both indicators is important.

4 Important Things You Need to Know about Value Investing

November 12, 2019

4 Things You Need to Know about Value Investing: We have always heard about the people regretting about their mistakes. They regret for neglecting some or other areas of life. But at the same time the same person may also create the history by understanding the importance of the same thing in his daily life. Value investing also tends to follow the same principle in the stock market. It is the tactic used by the investors in daily life.  Value investor tend to find the undervalued stock in the market and tend to go for this.

There are four things that need to be kept in mind by a value investor at the time of investment. These four things are as given below:

  1. The margin of Safety
  2. Stay out of the box
  3. Know the intrinsic value
  4. Indians who have mastered value investing

Important things about value investing: Margin of Safety

Since the value investing is all about investing in the stock at lower price, thus chances of further depreciation in the price will be lower when compared to the stocks which are well known. If a stock has an intrinsic value of 1000 and is currently trading at Rs 600, then the Rs 400 difference is a surety that you will make more profits than someone who has bought the stock at its value. This is called the margin of safety and is a key contributor in value stocks making more profits.

Stay out of the box

The key to value investing is not falling for the bandwagon effect. The bandwagon effect is a phenomenon whereby the rate of uptake of beliefs, ideas, fads and trends increases the more that they have already been adopted by others. The focus of the value investor is to invest in the stock when everyone else is ignoring it.

Know the intrinsic value

Perhaps the most important thing to know about the value investing is knowing the value of the stock at which it is undervalued. There are the times when the stock value is affected by global trends and the market conditions. Value investor is supposed to encash these opportunities.

Indians who have mastered value investing

Chandrakant Sampat is the well known name of a value investor. The Sampat began to invest in the stocks in 1950s and continued to invest in the stock market for the long time. His favorite stocks were the Nestle and HUL.